Avrio Corporation’s solutions automate complex business processes in claims, reinsurance, underwriting and administration for insurance organizations. Our insurance solutions provide greater visibility and control of content and processes, allowing organizations to implement cohesive records management strategies that help them to comply with legal and regulatory initiatives. 

Claims Procesing:

Avrio utilizes records management and email management tools to help insurance companies retain and manage all of the various types of claim information as records throughout their lifecycle.  From the first notice of loss to final release, claim files are retained as originally intended.  In the event that a claim requires reopening or review by examiners or auditors, all relevant claim documentation is easily accessible.

Avrio solutions allow customers to conveniently submit claims via the Web, where they are automatically forwarded to the appropriate representative so that they can be settled promptly.  Avrio utilizes eForms and eProcesses to facilitate data entry of member information via automated data population from member databases, and automatically routes work items to representatives to confirm sensitive information modifications. These automated processes contribute to reduced cycle times, minimized costs and improved customer satisfaction levels.

Policy Underwriting and Administration:

Records in underwriting are similar in many characteristics, whether for property and casualty, life or health insurance.  Both the retention of records (or applications) and the documentation developed in the underwriting process require state-of-the-art records management tools.  The requirements for records and email management in underwriting can be highly complex.  For example, underwriting a P&C policy may require information such as driving records (MVRs), credit information from credit bureaus, Comprehensive Loss Underwriting Exchange (CLUE) and/or A+ reports.  Denial of coverage, policy rescissions, rating changes, and endorsements all require significant file documentation that can come in the form of email, fax, electronic messaging and voice.  As with claims, some of these files must be retained for use by auditors and examiners or in the event of litigation or compliance issues.

Avrio solutions enable agents to submit new applications and any necessary supporting documentation directly to underwriters via the Web.  As a result, application processing cycles times are typically reduced by 45% and response times are greatly improved, contributing to higher overall customer service satisfaction levels.   Avrio’s solutions also enhance administration processes by providing employees with immediate access to customer and policy information, streamlining the policy updating process.  Finally, Avrio helps insurance organizations to track in-progress transactions to ensure that underwriting processes are optimized.

Farmers Insurance Group

Avrio worked to develop a Customer Restore Network system for Farmers Insurance Group. This system integrates Siebel, FileNet, automated Call Center telephony, web technologies, and legacy systems into a unified application used by claimants, customer service agents, adjusters & claims handlers, and auditors. See Full Success Story

Thrivent

Avrio developed a fully-customizable enterprise level workflow solution for Thrivent Financial, called eFlo.  eFlo is flexible enough to handle the business needs of any department or organization. Thrivent realized immediate benefits from eFlo as typical response times dropped by nearly one-half.  The eFlo implementation in the Billing and Collections departments was so successful that Thrivent quickly implemented eFlo Solutions in their Health Claims, Issue Change, and Remittance Processing departments. See Full Success Story